Financials · Property & Casualty Insurance · US stock · price as of 22 Oct 2026
Key indicators
Price
$139.45
52-week range
$120.33 – $146.07
Market cap
$38.5B
P/E (trailing)
9.0×
Dividend yield
1.7%
Revenue (last 12 months)
$29.1B
Revenue growth (3y a year)
8.3%
Price / book
2.0×
Return on equity
22.2%
Fair value
Fair value (average of valid models)$142.00 middle half of models $141 – $144
Versus priceFair+2% to fair value
P/E multiple
$143.24
P/B multiple
$135.00
P/S multiple
$143.52
Dividend discount, stable
$146.23
Model uncertainty
Medium
X-Ray Score
64/ 100 · Medium confidence · ahead of 92% of sector peers
Valuation65
Growth63
Profitability59
Financial health69
Dividends62
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
The Hartford is an insurance and investment company that sells property and casualty coverage to businesses and individuals, along with group benefits such as disability and life insurance, and mutual fund products. Its main income comes from premiums paid by policyholders, less claims and expenses, together with investment income earned on the premiums it holds before claims are paid. Catastrophe losses and claims costs can make results uneven from year to year.
Revenue of $29.1 billion was recorded for the latest twelve months; sales expanded at 8.3% a year across three years. Hartford Insurance Group, Inc. converts that into an operating margin of 18.0%. Return on invested capital comes to 18%.
StocksXray gives Hartford Insurance Group, Inc. an X-Ray Score of 64 out of 100 (medium confidence), ahead of 92% of the S&P 500 stocks in its sector. Its strongest lens is financial health (69) and its weakest is profitability (59).
Our fair value (the average of the valid models) is $142.00 (range $141.18 to $144.19). At $139.45 the stock trades 2% below that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Hartford Insurance Group, Inc. (HIG)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$62.85
$70.59
$76.62
$106.15
$135.97
$139.45
Market cap
$22.3B
$23.3B
$23.9B
$31.7B
$39.0B
$38.5B
P/E
9.5×
12.9×
9.6×
10.3×
10.2×
9.0×
Price / book
1.2×
1.7×
1.6×
1.9×
2.1×
2.0×
Dividend yield
2.29%
2.24%
2.28%
1.82%
1.59%
1.72%
Fundamentals checklist ● 3 Good · ● 3 Average · ● 1 Bad · each check graded against the sector
Risk models
Piotroski F-Score9 of 9Good
Growth
EPS growth (3y)34.6%Good
Revenue growth (3y)8.3%Average
Growth consistency100%Good
Valuation
Fair value vs price1.0×Average
Profitability
Return on invested capital17.7%Average
Operating margin18.0%Bad
XStocksXray
Hartford Insurance Group, Inc. (HIG)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
22,390
22,362
24,527
26,535
28,368
29,060
Net income
2,371
1,819
2,504
3,111
3,836
4,365
Diluted EPS ($)
6.64
5.46
7.97
10.35
13.32
15.48
Net margin
10.6%
8.1%
10.2%
11.7%
13.5%
15.0%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
76,578
73,008
76,780
80,917
86,029
87,983
Cash
337
344
189
234
166
203
Total debt
4,944
4,357
4,362
4,366
4,371
4,374
Equity
17,805
13,676
15,327
16,447
18,979
19,633
Dividend per share ($)
1.44
1.58
1.75
1.93
2.16
2.32
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
